Market Overview
Home Prices in Terra Ceia, FL
The median home value in Terra Ceia, FL is $731,554 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 7.2% compared to a year ago and down 4.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Terra Ceia are priced78% above average. Terra Ceia is part of the North Port-Sarasota-Bradenton, FL metro area.
Over the past five years, Terra Ceia home values have risen by approximately19.5%, reflecting steady appreciation in this market.
Price History
Terra Ceia Home Price Trend
City Comparison
Terra Ceia vs. National Median
At $731,554, homes in Terra Ceia cost 78% above the national median of $410,000. Buyers in Terra Ceia should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Terra Ceia?
20% Down Payment
$146,311
on $731,554
Monthly P&I
$3,815/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,845/mo
incl. taxes & insurance
Income Needed
$193,800
gross annual (30% rule)
10% Down Option
$73,155
+ PMI applies
Loan Amount (20% dn)
$585,243
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Terra Ceia, FL?
The median home value in Terra Ceia is $731,554 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 7.2% year-over-year.
How much have home prices changed in Terra Ceia?
Over the past year, home values in Terra Ceia have decreased by 7.2%. Over five years, prices have risen approximately 19.5%.
How much do I need to earn to buy a home in Terra Ceia?
To comfortably afford the median home price of $731,554 with a 20% down payment ($146,311) at today's rates (6.8%), you'd need a gross annual income of approximately $193,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Terra Ceia compare to the national average home price?
The national median home value is approximately $410,000. At $731,554, homes in Terra Ceia are 78% above the national average.
What metro area is Terra Ceia part of?
Terra Ceia is part of the North Port-Sarasota-Bradenton, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.